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A year ago, our house caught fire. We lost everything. We had homeowners insurance through @Progressive, underwritten by Homesite Insurance Company of New York. We trusted them to help us rebuild.
Here is what happened instead.
The insurance company gave us a contractor through their claims process. That contractor missed THREE completion deadlines:
• Deadline 1: December 2025 — missed, no explanation
• Deadline 2: February 1, 2026 — missed with less than 24 hours notice on Feb 4, AFTER we had already hired movers, booked a babysitter, and boarded our dog
• Deadline 3: February 14 — missed again, notified the afternoon before
Each time, we scrambled. We moved our belongings into storage. We checked into a hotel. Our dog stayed at boarding. Our child’s life was turned upside down. Again. And again. And again.
Then their sub contractor declared the house “good enough” and walked away and didn’t want to finish.
The restoration company inspected and found:
• No heat vents installed — the house has no safe working heat
• Dangerous bathroom tile work in BOTH bathrooms that can cut you .
• A suspected structural beam defect
• All trim needs to be redone
• Ceiling tiles don’t fit, wood was cut improperly
• Doors hung incorrectly
• Wrong light fixtures installed
• Paint defects throughout
The home is not safe to live in. This is not our opinion — it’s the professional assessment of the restoration company.
So we asked our insurance company to continue paying our Additional Living Expenses (ALE) while the house gets fixed. This is coverage WE PAID FOR. Our policy has over $100,000 in unused ALE benefits sitting right there.
Their response? Denied.
Their reason? They said the delays are the contractor’s fault, not theirs — and that we should pursue the contractor ourselves.
The contractor THEY gave to us.
Let me say that again: the insurance company referred us to the contractor, the contractor failed, and now the insurance company says it’s not their problem.
But here’s what their own policy actually says:
“Payment will be for the shortest time required to repair or replace the damage.”
Not the shortest time ESTIMATED. Not the shortest time the contractor SHOULD have taken. The shortest time REQUIRED. The repairs are not done. The house has no heat. The time required to repair the damage has not passed because the damage is not repaired.
And it gets worse.
The day we sent our formal request for continued ALE, our adjuster sent back an out-of-office reply saying he was unavailable for three days. We had spoken to him THE DAY BEFORE and he never mentioned it. When my wife called him out on it, he was suddenly available — and responded within minutes with a detailed denial letter he clearly had prepared.
Out of office for training. But available to deny our claim.
We have been displaced for over a year. We are living in a hotel. Our belongings are in storage. We have a child and a dog. We did everything right. We paid our premiums. We followed every instruction. We cooperated with every request.
This is how @Progressive and Homesite Insurance Company of New York treat their customers.
We are not asking for anything we didn’t pay for. We are asking them to honor the contract they sold us.
If you’re considering @Progressive for homeowners insurance, please read this first.
If you’ve had a similar experience, I want to hear from you.
@ABORNEYNY @NYS_DFS @NYSenate @NYStateAG
#ProgressiveInsurance #HomesiteInsurance #InsuranceDenied #BadFaithInsurance #InsuranceClaim #HomeownersInsurance #NYInsurance #ConsumerRights #InsuranceScam #FireDamage #DisplacedFamily #ALEDenial #InsuranceFraud #KnowYourPolicy #HoldThemAccountable #InsuranceNightmare #NewYork #ConsumerProtection #HomesiteInsuranceCompany #ClaimDenied
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